Motor Fleet | MX Underwriting Europe | Specialist Underwriters

Who we are

At MX Underwriting Europe, our team of experienced underwriters are dedicated to delivering your clients the insurance they need for their motor fleets. We pride ourselves on our commitment to getting it right for the customer.

What we do

We have a wide appetite, and particularly like car and van fleets but will consider larger commercial vehicles including use for hire and reward. Preferred trades include contractors, engineering, manufacturing, building industry and finance industry. We are open to the right waste and hazardous goods enquiries.

Our criteria

Target trades:

Building industry
Contractors
Engineering
Finance industry
Manufacturing

Note: No international haulage, taxis, couriers, airside, fast food delivery or self-drive hire.

Key fleet features:

Comprehensive cover (reduced to third-party only for special types)
Open driving from age 21 with full EU/UK license for at least one year available (younger drivers can be accommodated case-by-case)
Minimum three years fleet or No Claims Discount (NCD) experience (we can help on cases transferring from sole trader to company or other circumstances where companies split)
Any modifications, high-powered or high-value vehicles to be advised within the submission as we may need to apply different T&Cs

What we need from you:

Broking submission
Vehicle list including gross vehicle weight of HGVs
Minimum three years verified claims experience

Please click here to download our submission form which outlines all the key information we require in order to provide you with the best quote we can.

Our carriers

Aioi Nissay Dowa Europe Limited

Although emerging to the Irish market, Aioi Nissay Dowa Europe (AND-e) already have a strong presence in the UK, Germany, Italy, Spain, France and Belgium along with 30 other countries in their distribution network around the world.

An A+ stable rated market*, AND-e is a specialist in automotive protection, offering motor insurance products. AND-e is part of the MS&AD Group which also includes Mitsui Sumitomo Insurance Company and MS Amlin Group companies. The MS&AD Group is Japan’s largest non-life insurer and one of the largest non-life insurance groups in the world.

“In today’s fast-paced business landscape, motor fleets are a vital asset to our customers. With a strong understanding of the evolving challenges faced by fleet managers, we offer more than just insurance coverage; we provide peace of mind.” – AND-e

New enquiries

Contact one of our specialist Underwriters to protect your clients’ Motor Fleet exposures today.

Simply fill out the form, including a brief message about your enquiry, and a member of our team will be in touch with you shortly.

Alternatively, you can contact us using the information provided below:

E: mxmotorenquiries@mxunderwriting.eu

*Rating information correct as of May 2024. AND-E’s group ratings can be found here.

Underwriting criteria, terms and conditions apply. As an MGA, we provide services and enter into insurance contracts on behalf of regulated Insurers. We are not the Insurer. The identity of the Insurer(s) on behalf of which we act and who will receive the premium and settle claims arising on your policy is detailed on all quotation and confirmation of cover documentation, including the insurance policy. All products are subject to any applicable government levy or contribution to the Motor Insurers Insolvency Compensation Fund as set out in the policy schedule.

Specialist Fleet underwriting through Capulus.

Our Motor Fleet offering is provided in partnership with Capulus, a specialist underwriting agency with a dedicated focus on Fleet insurance.

Our appetite

Cover can be arranged on a Comprehensive, Third Party Fire and Theft, or Third Party Only basis.

Where Comprehensive cover is selected, policies may include:

Accidental damage and theft protection
Windscreen repair and vehicle damage cover
Personal accident and medical expenses benefits
Breakdown assistance and replacement vehicle options

We consider a broad range of vehicle types, including cars, vans, HGVs and specialist vehicles.

Common risks insured

Road traffic incidents involving fleet vehicles
Vehicle theft and accidental damage
Third party property damage and injury claims
Driver-related exposures across multi-user fleets

Why MX and Capulus?

MX and Capulus bring together specialist Fleet underwriting expertise and strong broker relationships. Through Capulus, brokers benefit from access to experienced Fleet underwriters who understand the day-to-day challenges associated with managing vehicle risks across different sectors and fleet sizes.

Working together, we offer Motor Fleet solutions for cars, vans, HGVs, specialist vehicles and mixed fleets, supported by practical underwriting expertise and policy structures designed to reflect each client's requirements.

Who we work with

We work with brokers representing businesses that operate multiple vehicles, including:

Logistics and distribution businesses

Construction, contracting and trade firms

Courier, delivery and haulage operators

Passenger transport organisations

Companies running car fleets or mixed vehicle fleets

FAQS

What is considered a motor fleet?

In most cases, a fleet consists of three or more vehicles owned or operated by a business.

Which vehicles can be included?

Cover may be available for cars, vans, HGVs and specialist vehicles, subject to underwriting criteria.

Can more than one driver use the vehicles?

Policies can be arranged for multiple named drivers or any-driver usage, subject to underwriting requirements and policy conditions.

What levels of cover are offered?

Comprehensive, Third Party Fire and Theft, and Third Party Only cover are available, subject to underwriting acceptance and the policy's terms, conditions, exclusions and limits.

Can the policy be arranged around a fleet's needs?

Policy structure and cover options are determined by factors such as fleet composition, vehicle usage and overall risk profile.

Do you consider larger or more complex fleets?

Mixed, specialist and more complex fleet risks may be considered, subject to underwriting.

Contact us

Visit our website.

Motor Fleet Insurance Solutions